Best Personal Loan Rates in Downey, California - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Downey, California include: SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union9125 Imperial Hwy Ste A, Downey, CA, 90242A+5.0 ★Texas Ratio: 5.36% offering Computer Loan at 5.00% APR, California Credit UnionCalifornia Credit Union9300 IMPERIAL HWY, DOWNEY, CA, 90242 2813A+5.0 ★Texas Ratio: 1.90% offering Personal Loan at 8.99% APR, Downey Federal Credit UnionDowney Federal Credit Union8237 3rd St, Downey, CA, 90241 3718C3.8 ★Texas Ratio: 26.72% offering Personal Loans at 9.00% APR, Rancho Federal Credit UnionRancho Federal Credit Union12620 Erickson Ave Ste H, Downey, CA, 90242 4019A+5.0 ★Texas Ratio: 1.80% offering Personal / Signature Loans at 10.99% APR, and Southland Credit UnionSouthland Credit Union8545 Florence Ave, Downey, CA, 90240 4014A5.0 ★Texas Ratio: 7.10% offering Personal Loans - Signature Loan at 11.74% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Downey has 6 local institutions in our database, with personal loan rates as low as 5.00% APR from SchoolsFirst Federal Credit Union at 9125 Imperial Hwy Ste A, Downey, CA, 90242. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Downey, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Downey, California. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 6, 2026
Downey Personal Loan Rates
No additional details available.
No additional details available.
6.40% APR; 7.40% APR
Variable Rate
As Low As; Financing up to $50,000; No collateral required
As low as; 9.00% APR
As low as; 9.90% APR
Loan amounts up to $25,000. No annual or prepayment penalties.
As Low As; Rates are subject to change at any time throughout the day without notice. For the most current rate information, please contact Rancho Federal Credit Union at 562-803-6401.
No additional details available.
Loan amounts up to $25,000. No annual or prepayment penalties.
As Low As
As Low As; Immediate funding of up to $2,000; Rates are subject to change at any time throughout the day without notice. For the most current rate information, please contact Rancho Federal Credit Union at 562-803-6401.
No payments for 60-days.
No additional details available.
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
$500 - $1,500
Financing LTV based upon creditworthiness: 120%
No additional details available.
No payments for up to 90 days
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
As Low As
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
100% Financing APR; Fixed
No additional details available.
Regular APR: 13.99%
Regular APR: 15.49%
Application period from April 22, 2026 through June 15, 2026; Available to qualified applicants residing in Guam and CNMI
Maximum loan amount: Up to 100% of the available certificate balance
$3,000 Max
Model Year: 2011 to 2015
Model Year: 2016 to 2019
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%
Model Year: 2020 to 2024
As Low As
No additional details available.
No additional details available.
Model Year: 2025 to 2027
Model Year: 2025 to 2027
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
Financing LTV based upon creditworthiness: 120%
$50,000; As Low As
No additional details available.
100% MSRP/N.A.D.A Value
Financing LTV based upon creditworthiness: 120%
Introductory APR
100% MSRP/Appraisal Value
No additional details available.
No additional details available.
100% Financing APR; Fixed
No additional details available.
As low as; APR*
As Low As; Borrow up to $2,500
No additional details available.
No additional details available.
Available through June 30, 2026
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
Borrow up to $5,000
Financing LTV based upon creditworthiness: 100%
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
As Low As; Subject to credit approval. Some restrictions may apply.
Model Year: 2025 to 2027
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 100%
Financing LTV based upon creditworthiness: 120%
Over $30,000.00; Over $30,000.00
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Financing LTV based upon creditworthiness: 100%
No additional details available.
As Low As; Loan Amount: $500 - $25,000
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Variable Rate
As Low As; Up to $25,000
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Life moves fast. Whether it's fun with the kids, milestone anniversary, a family reunion, or a much-needed reset, don't miss out on creating memories.
As Low As; Interest Rate: 6.5%
As Low As
As Low As; Up to $40,000
Financing LTV based upon creditworthiness: 100%
As Low As
Max. Amt.: $2,500
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Technology Loan Rates
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As*
Max APR: 11.24%
Financing LTV based upon creditworthiness: 100%
As Low As
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 100%
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
As Low As; Up to $40,000
As Low As; Up to $25,000
As Low As*
No additional details available.
No additional details available.
New (2018 and newer)
No additional details available.
As Low As; Maximum Amount: $20,000
No additional details available.
No additional details available.
Loan Amount: $500+
As Low As; 1
As Low As; *
APR up to 7.99%; $2,000; direct deposit and automatic payments.
As low as; Click Here
Fixed
As Low As
No additional details available.
As Low As
$10,000; As Low As
No additional details available.
As Low As*
Loan Amount: $2,500+
Downey Personal Loan Rates
6.40% APR; 7.40% APR
As Low As; Financing up to $50,000; No collateral required
As low as; 9.00% APR
As Low As; Rates are subject to change at any time throughout the day without notice. For the most current rate information, please contact Rancho Federal Credit Union at 562-803-6401.
No additional details available.
As Low As
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Up to $40,000
As Low As*
As Low As; Up to $40,000
As Low As*
No additional details available.
No additional details available.
As low as; Click Here
Loan Amount: $500+
As Low As*
Loan Amount: $2,500+
Downey Debt Consolidation Loan Rates
As Low As; 1
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; 1
No additional details available.
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; based on term
No additional details available.
As Low As; **
As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. Rates may be adjusted based on Transunion Vantage Score.
As Low As; 1
No additional details available.
As Low As; 1
Downey Signature Loan Rates
Loan amounts up to $25,000. No annual or prepayment penalties.
No additional details available.
As Low As
As low as; APR*
No additional details available.
As Low As; Up to $25,000
No additional details available.
As Low As
No additional details available.
As Low As; Up to $25,000
No additional details available.
No additional details available.
No additional details available.
As Low As
Downey, CA Personal Loan Rate Trends
Compare local Downey, CA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California personal loan rates currently average 10.142% APR.
California signature loan rates currently average 11.408% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Downey, California personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Downey, California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Downey, California. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in California?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in California?
Are credit unions or banks better for personal loans in Downey, California?
What are the best personal loan rates in Downey, California?
- SchoolsFirst Federal Credit Union: 5.00% (Computer Loan)
- California Credit Union: 8.99% (Personal Loan)
- Downey Federal Credit Union: 9.00% (Personal Loans)
- Rancho Federal Credit Union: 10.99% (Personal / Signature Loans)
- Southland Credit Union: 11.74% (Personal Loans - Signature Loan)
Personal Loan Calculators
